Community State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 8.47 percentage points in Q2 2026, from 88.55% to 97.02%. It was the largest change from Q1 2026 among the key lines here. Community State Bank ranks 12th of 63 Colorado banks on loan-to-deposit ratio, in the upper half at 97.02% (Q2 2026). Community State Bank reported 97.02% on loan-to-deposit ratio for Q2 2026, 16.46 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $172.3M |
| Net loans and leases | $167.8M |
| Loans held for sale | $0 |
| Loans to total assets | 82.80% |
| Loan-to-deposit ratio | 97.02% |
| Net loans to equity capital | 6.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.27% |
| Multifamily (5+ residential) | 0.62% |
| Commercial and industrial | 16.69% |
| Consumer | 3.94% |
| Credit cards | 0.00% |
| Farm | 18.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 20.21% |
| Construction concentration (Tier 1 capital + allowance) | 1.29% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.30% |
| Interest income on loans | $3.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $126.5M | $135.7M | 14.63% | 20.19% | 5.43% |
| Q4 2023 | $130.5M | $136.2M | 15.01% | 18.35% | 5.35% |
| Q1 2024 | $126.6M | $146.0M | 16.33% | 19.41% | 5.26% |
| Q2 2024 | $135.6M | $142.2M | 16.18% | 18.95% | 5.13% |
| Q3 2024 | $143.2M | $151.3M | 15.23% | 17.74% | 5.14% |
| Q4 2024 | $154.6M | $163.0M | 14.66% | 17.44% | 4.78% |
| Q1 2025 | $148.5M | $170.0M | 15.33% | 17.06% | 5.00% |
| Q2 2025 | $155.2M | $172.8M | 14.55% | 17.32% | 4.72% |
| Q3 2025 | $157.2M | $176.1M | 13.62% | 16.65% | 4.62% |
| Q4 2025 | $162.2M | $172.1M | 13.40% | 16.29% | 4.48% |
| Q1 2026 | $165.3M | $186.7M | 13.78% | 17.03% | 4.34% |
| Q2 2026 | $172.3M | $177.6M | 13.27% | 16.69% | 3.94% |
Community State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58732) · FFIEC NIC profile (RSSD 3617856)